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If you are experiencing a debt crisis or if creditors are starting to take repossession of your assets to be sold at an auction, know that you can counter- attack. Do you need debt relief and have creditors off your back fast? You can be out of debt in just 30 days.

We live times today where d

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

ebt and credit are taking on wretched proportions. If you do not believe me, just have a look what is going on at the Credit bureau or at any office of the Sheriff. You will be shocked in your findings.

I have seen many cases where people come back from work and found that the sheriff have ent

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

red their property and loaded all the goods that were attached, or that all their belongings were packed out on the pavement with doors bolted. Can you imagine what it must be like?....where on earth do you go from there?

In a couple of hours it will be dark and you have to have a place to sle

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

p in. My hart goes out to people who have had that happen to them.

Every person on this planet wants to get out of debt. It is such a great pity that we first have to fall into the debt trap and to experience and realize the consequences. None of us wanted to accept the advice that our parents

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

used to give us regarding debt, is that not true.

Now that we are in debt, we want out, but we can not. Our salaries do not permit us to pay off an extra amount on our accounts, we barely make a living and we are living from pay check to pay check. In fact, every person working for a salary is

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

about three months away from bankruptcy. Don't believe me?.......just stop working for a month or two and I can almost guarantee you that you'll be bankrupt.

The law makes provision for certain choices.The first thing that you can do when your debt burden becomes difficult to carry is:

Choice

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

no:1 - Talk to your creditors

Creditors are extremely high strung people. If you do not talk to them, they assume you are hiding or running away from them. You will be surprised at how many of these guys are prepared to listen to you. Try to explain your situation to them and come to a new agr

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

ement that you will pay them x amount every month in stead of your full installment. Get it on paper so that they can not deny this fact should you be facing a summons from them at a later stage. If you have tried your utmost to talk to them and no agreement can be reached, then try for:

Choic

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

no:2 - Borrow money and consolidate your debt.

This choice can help you in the short term if you can manage to secure a loan to do this. When you do this you can actually reduce your total expenses by quite a margin, but I must warn you, this is a very expensive alternative in the long run an

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

you could be making matters much worse than what they are right now. Obviously when creditors are threatening to take judgment against you, you sometimes have to resort to steps that you know for yourself are not the ideal steps to take. As I have said, this can help you out in the short term,

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

but be very careful, money is expensive.

Now most people, when they get to this stage where they need to borrow more money to pay old debt, they are usually in a position where they have already been blacklisted by their creditors, and find that no one else wants to loan them any more money.

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

So, you sit with a slight problem. You now have to choose either to face the music head on, or sell some of your assets to get them off your back.

If you start selling off items that has cost you dearly, for a fraction of what you have paid for them, you must know that something is very wrong

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

You are now grasping for straws and my advice to you is, do not sell your goods. You have worked hard for them, rather face the music. You will see in a while why I suggest you don't sell your goods. Now we have a situation that brings us at:

Choice no:3 - Simply sit tight and do nothing.

Th

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

s is a dangerous choice to make. This is when creditors start taking judgment against you and when the Sheriff of the court starts knocking on your door. When this happens they attach your movable assets to be sold at an auction. Once an auction has taken place, they will still hold you liabl

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

for the difference between what you owed, and the price they got for your goods at the auction. The sad fact of the matter is that months and years from now, they can again attach your new acquired assets to be sold at an auction again.

Your creditor can now also apply for a garnishee order t

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

be attached to your salary. This means that before you even see your money, they have already subtracted an amount from your salary to pay to your creditor.

Choice no:4 - Put yourself under administration

When you exercise this option it will mean that you apply for an appropriate court orde

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

where you pay in a certain amount of money to a lawyer, who in turn will then divide it amongst your creditors.To go under administration your total debts may not exceed a certain amount. This limit may be revised by the law from time to time.

The problem with administration is the fact that

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

he interest that accumulates on your debt may give rise to the fact that your debt does not really come down much and that you could be paying off this debt for a very long time.

When you put yourself under administration it will relieve you from the burden of creditors pestering you for money

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

week after week.

I suggest you look at the next option which is the BEST choice you can make. Believe me, if you have no other choice but to go this route, you are one of the few lucky ones who gets an opportunity to make a fresh start in life within 30 days (depending on your country la

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

s) In South Africa it takes only 30 days.

You may download a copy of my book called "Out of Debt in 30 days" by going to the address below and click on the banner at the bottom of page.

P.S. Webmasters: Please feel free to offer this e-book free of charge from your website or to subscribers

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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